Effective August 1, 2011

Share Certificates - Dividends paid quarterly
Minimum Amount Term APR* APY**
$500 6 months 0.50% 0.501%
$500 12 months 0.80%

0.802%

Early withdrawal penalties will apply.
       
High Yield Shares - Dividends paid quarterly
Minimum Amount APR* APY**
$1,000 to $4,999 0.20% 0.200%
$5,000 to $14,999 0.30% 0.300%
$15,000 to $39,999 0.40% 0.401%
$40,000 and greater 0.50% 0.501%
     
Share Draft (checking) - Dividends paid monthly
Minimum amount to receive dividend APR* APY**
$300.00 0.20% 0.200%
     
Share Deposits - Dividends paid quarterly
Minimum amount to receive dividend APR* APY**
$25.00 0.10% 0.100%
     

*Annual Percentage Rate
**Annual Percentage Yield